Cayuga County and Summerhill Town property record for 1306 E Lake Rd, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1986 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,000 (Oct 2016) |
| Tax Bill | $4,140 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance |
| Flood Zone | Zone A (high risk) |
| APN | 055800 223.20-1-25.1 |
| Primary APN | 055800 223.20-1-25.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 56,628 sqft (1.3 acres) |
| Lot Dimensions | 120 ft deep x 35 ft wide |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 124 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 20019101 |
|---|---|
| Street Address | 1306 E LAKE RD |
| City | CORTLAND |
| State | NY |
| Zip | 13045-8911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 200 |
| Legal Block | 1 |
| Legal Lot Number | 25.001 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | SUMMERHILL |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 40900 |
1306 E Lake Rd is owned and occupied by an individual who bought it in October 2016.
Source: Cayuga County and Summerhill Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1306 E LAKE RD, CORTLAND, NY 13045-8911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2016 · Amount on File |
| Deed Sale | Oct 19, 2016 · Amount on File |
| Prior Sale | Nov 3, 2004 · Amount on File |
| Deed Document Number | 2016166218 |
| Deed Book / Page | 1645 / 317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 1306 E LAKE RD, CORTLAND, NY 13045-8911 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040090148 |
|---|---|
| Date | Mar 8, 2021 |
| Book Page | 4009/148 |
| Instrument | 2021-202520 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2026 property tax bill for 1306 E Lake Rd was $4,140 with a veteran's exemption, up 155.1% from the year before.
Source: Cayuga County and Summerhill Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Summerhill Town |
| Unified School District | Homer Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,140.00 (+155.08%) Veteran's exemption | ||
| 2025 | $1,623.00 (-0.67%) Veteran's exemption | $156,600 Land $21,700 Building $134,900 | $177,955 Land $24,659 Building $153,296 |
| 2024 | $1,634.00 (-28.4%) | ||
| 2023 | $2,282.00 Veteran's exemption | $156,600 Land $21,700 Building $134,900 | $156,600 Land $21,700 Building $134,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1306 E Lake Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (1981–2004) |
| Most Recent Claim | Apr 2004 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1306 E Lake Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
No cell data coverage reported
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